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Debt Collector

See my research, posts, and articles on debt collectors, including your rights, negotiation strategies, and how to stop harassment. Click the link to learn more!

Debt Collectors Won’t Stop Calling My Elderly Parent. Here’s What to Do Right Now.

by Steve Rhode

A collector won’t stop calling your elderly parent, and now it’s calling you. Here’s who it can legally talk to, what it can’t garnish, and how to stop it.

If a Process Server Ever Handed You Debt-Lawsuit Papers, Your Name May Be in the ABC Legal Services Data Breach — Claims Close September 28, 2026

by Steve Rhode

ABC Legal Services serves debt-lawsuit papers nationwide, and it just settled a data breach for $2.5M. Here’s what qualifies and the September 28 deadline.

A Creditor Is Making Me Come to Court to Answer Questions About My Money

by Steve Rhode

A creditor won a judgment and now wants you in court answering questions under oath about your money. Here is what can, and cannot, happen if you go.

A Debt Collector Called My Family About My Debt. Here’s What to Do Right Now.

by Steve Rhode

A debt collector called your family about your debt. Here is what’s legal, what is not, and how to document a real FDCPA violation for statutory damages.

Debt Collectors Are Calling Me. Here’s What to Do Right Now.

by Steve Rhode

Debt collectors calling? Federal law limits when they can call, how often, and what they can say. Here’s how to stop the calls, demand proof of the debt, and know when bankruptcy makes sense.

If a Debt Collector Is Calling About a Store Card, Document Everything Starting Now (June 2026)

by Steve Rhode

A class action alleges Synchrony Bank — which backs 140+ store cards — called a consumer 100+ times after she revoked consent. If collectors are calling you, here’s how to document, what’s illegal, and how to fight back under the FDCPA.

My Bank Account Was Just Frozen. Here’s What to Do Right Now.

by Steve Rhode

Your bank account is frozen. Here is the 48-hour action plan: which funds are automatically protected, how to file an exemption claim, and how bankruptcy can unfreeze your account the same day you file.

The CFPB Is Being Gutted Right Now — What It Means for Your Debt Rights

by Steve Rhode

The CFPB is being gutted right now. Your legal rights under the FDCPA and FCRA still exist — but the federal enforcement behind them has weakened significantly. Here is what actually changed and the practical steps to protect yourself.

Genesis Credit Management: Who Are They and Why Are They Calling You?

by Steve Rhode

Genesis Credit Management calling you? I cover who they are, their CFPB and BBB complaint counts, the FCRA class action against them, and your FDCPA rights.

Scott & Associates: Who Are They and Why Are They Calling You?

by Steve Rhode

Scott & Associates is a debt collection law firm that files lawsuits — I explain who they are, their complaint record, and your rights if they contact you.

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Get Out of Debt Guy Podcast - Steve Rhode

Get Out of Debt Guy Podcasts

  • Credit Card Debt, Hospital Bills & the “Just Get a Loan” Trap
  • Look Broke for a Year or Stay Broke for 10? The Credit Card Debt Trap
  • Budgets Suck: Debt Traps, Emergency Savings, and Keeping Up Appearances
  • Are You Helping Your Kids—or Hurting Your Retirement? – The Money Choices That Cost Millions
  • Should Adult Kids Pay Rent—or Are You Sacrificing Your Retirement?

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Think of this as me — just in AI form. I've walked in your shoes. I filed bankruptcy myself in 1990, and in over 30 years of experience I haven't seen a situation that can't be worked through or a person who deserves judgment. Everything here is built on that experience, that research, and genuine care for you. I can't be there in person. But I can be here.

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